PackageTrendsPeer
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Elliott Community

Jeannette, PA · Charter 390

NCUA · 5 branches

Q2 2026

$53.7MAssets
$33.3MLoans
$45.6MShares
$8.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.86%, down 33 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.38% of loans (-9 bps YoY).
  • Capital: net worth / assets of 15.15%, up 94 bps from a year ago.
  • Funding: loans stand at 72.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%-33 bps YoY

Net Interest Margin (YTD, annualized)

4.48%+11 bps YoY

Efficiency Ratio (YTD, annualized)

82.08%+776 bps YoY

Net Worth / Assets

15.15%+94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.16%1.18%0.72%0.86%-33 bps
Return on Equity8.41%7.91%7.81%4.90%5.71%-270 bps
Net Interest Margin4.37%4.47%4.53%4.28%4.48%+11 bps
Efficiency Ratio74.32%75.60%75.78%82.88%82.08%+776 bps
Growth
Asset Growth (YoY)4.09%3.28%0.99%1.03%0.18%-391 bps
Loan Growth (YoY)2.58%1.43%3.12%5.04%5.53%+295 bps
Share Growth (YoY)2.82%2.31%-0.20%-0.03%-0.72%-353 bps
Asset Quality
Delinquent Loans / Loans0.47%0.37%0.77%0.39%0.38%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.20%14.68%15.09%14.74%15.15%+94 bps
Net Worth / Assets14.20%14.68%15.09%14.74%15.15%+94 bps
Liquidity & Funding
Loans / Shares68.59%71.95%73.61%70.86%72.90%+431 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps